OK, let's crack this. We're given 970 and our task is to multiply it by 95. Essentially, we'll be adding 970 to itself 95 times.
Step 1: 0 + 970 = 970
Step 2: 970 + 970 = 1940
Step 3: 1940 + 970 = 2910
Step 4: 2910 + 970 = 3880
Step 5: 3880 + 970 = 4850
Step 6: 4850 + 970 = 5820
Step 7: 5820 + 970 = 6790
Step 8: 6790 + 970 = 7760
Step 9: 7760 + 970 = 8730
Step 10: 8730 + 970 = 9700
Step 11: 9700 + 970 = 10670
Step 12: 10670 + 970 = 11640
Step 13: 11640 + 970 = 12610
Step 14: 12610 + 970 = 13580
Step 15: 13580 + 970 = 14550
Step 16: 14550 + 970 = 15520
Step 17: 15520 + 970 = 16490
Step 18: 16490 + 970 = 17460
Step 19: 17460 + 970 = 18430
Step 20: 18430 + 970 = 19400
Step 21: 19400 + 970 = 20370
Step 22: 20370 + 970 = 21340
Step 23: 21340 + 970 = 22310
Step 24: 22310 + 970 = 23280
Step 25: 23280 + 970 = 24250
Step 26: 24250 + 970 = 25220
Step 27: 25220 + 970 = 26190
Step 28: 26190 + 970 = 27160
Step 29: 27160 + 970 = 28130
Step 30: 28130 + 970 = 29100
Step 31: 29100 + 970 = 30070
Step 32: 30070 + 970 = 31040
Step 33: 31040 + 970 = 32010
Step 34: 32010 + 970 = 32980
Step 35: 32980 + 970 = 33950
Step 36: 33950 + 970 = 34920
Step 37: 34920 + 970 = 35890
Step 38: 35890 + 970 = 36860
Step 39: 36860 + 970 = 37830
Step 40: 37830 + 970 = 38800
Step 41: 38800 + 970 = 39770
Step 42: 39770 + 970 = 40740
Step 43: 40740 + 970 = 41710
Step 44: 41710 + 970 = 42680
Step 45: 42680 + 970 = 43650
Step 46: 43650 + 970 = 44620
Step 47: 44620 + 970 = 45590
Step 48: 45590 + 970 = 46560
Step 49: 46560 + 970 = 47530
Step 50: 47530 + 970 = 48500
Step 51: 48500 + 970 = 49470
Step 52: 49470 + 970 = 50440
Step 53: 50440 + 970 = 51410
Step 54: 51410 + 970 = 52380
Step 55: 52380 + 970 = 53350
Step 56: 53350 + 970 = 54320
Step 57: 54320 + 970 = 55290
Step 58: 55290 + 970 = 56260
Step 59: 56260 + 970 = 57230
Step 60: 57230 + 970 = 58200
Step 61: 58200 + 970 = 59170
Step 62: 59170 + 970 = 60140
Step 63: 60140 + 970 = 61110
Step 64: 61110 + 970 = 62080
Step 65: 62080 + 970 = 63050
Step 66: 63050 + 970 = 64020
Step 67: 64020 + 970 = 64990
Step 68: 64990 + 970 = 65960
Step 69: 65960 + 970 = 66930
Step 70: 66930 + 970 = 67900
Step 71: 67900 + 970 = 68870
Step 72: 68870 + 970 = 69840
Step 73: 69840 + 970 = 70810
Step 74: 70810 + 970 = 71780
Step 75: 71780 + 970 = 72750
Step 76: 72750 + 970 = 73720
Step 77: 73720 + 970 = 74690
Step 78: 74690 + 970 = 75660
Step 79: 75660 + 970 = 76630
Step 80: 76630 + 970 = 77600
Step 81: 77600 + 970 = 78570
Step 82: 78570 + 970 = 79540
Step 83: 79540 + 970 = 80510
Step 84: 80510 + 970 = 81480
Step 85: 81480 + 970 = 82450
Step 86: 82450 + 970 = 83420
Step 87: 83420 + 970 = 84390
Step 88: 84390 + 970 = 85360
Step 89: 85360 + 970 = 86330
Step 90: 86330 + 970 = 87300
Step 91: 87300 + 970 = 88270
Step 92: 88270 + 970 = 89240
Step 93: 89240 + 970 = 90210
Step 94: 90210 + 970 = 91180
Step 95: 91180 + 970 = 92150

So, 970*95 = 92150